Anime Character Creator 3D. In case you want to create an anime character from scratch, charat.me is the best choice. The vroid project is a 3d business by pixiv inc.
Oh, it's a difficult question. You can switch gender, add accessories, wings, pets, and change head shape, clothes, even nails. Available in many file formats including max, obj, fbx, 3ds, stl, c4d, blend, ma, mb.